Bottomline sells business payments, Paymode supplier payments, a payments hub and cash management, and most buyers who go looking for a replacement want only one of those layers: invoice-to-pay software without a bank-payments stack, a treasury system without the payables, or a vendor with its legal home in Europe. Bottomline publishes no price and splits its product pages between North America and UK/EMEA/APAC. The alternatives below are ordered from the closest payments and cash tools to the invoice-first ones.
Short answer: The first three alternatives to Bottomline in our accounts payable automation ranking are Nomentia, Serrala and Medius. Smaller vendors fill the top three places where the category offers them, and the household names start at place 4. Choose Nomentia if the payments hub and cash forecast matter more than invoice handling, and you want a European treasury vendor. Below are 12 alternatives, each taken from the Best Accounts Payable Automation Software in 2026 ranking, with its main difference from Bottomline.
Visibility on this site can be bought by vendors; what we say about the product cannot. The disclosure page explains.
Pricing: Quoted per organisation; no price published
Established in: United States
Built for: Finance teams that want supplier payments, bank connectivity and cash visibility from one vendor
Not for: Teams that only need invoice capture and approval without a payments stack
01
Why buyers look past Bottomline
01
It is a payments company with an AP product attached
Bottomline's own About page describes its work as modernising business payments for banks and businesses in 92 countries, and its product menu is grouped as Payments Automation, Payments Connectivity, Fraud & Compliance and Cash Management. Several lines on that menu are marked for banks and financial institutions only, such as Message Vault and Digital Banking. A finance team shopping for invoice processing is buying from a portfolio built mainly around moving money.
02
Payables run through the Paymode network and no price is shown
The AP Automation page leans on Premium ACH and virtual card payments to suppliers, with supplier enrolment handled by Bottomline, and the Paymode page claims more than 635,000 payers and vendors. None of the Bottomline pages we fetched showed a price, a plan grid or a payment fee table. A buyer who wants to compare per-invoice or per-payment cost before a sales call has nothing to put next to a competitor's numbers.
03
Ownership and regional split affect what you can buy
The About page states Bottomline is a portfolio company of Thoma Bravo, and the footer names Bottomline Technologies, Inc., with its corporate headquarters in Portsmouth, New Hampshire and its EMEA headquarters in Theale, Reading. Product pages exist in separate North America and UK/EMEA/APAC versions, and the cash management page is titled differently in each. Confirm which modules your region is sold before comparing feature lists.
you want a published price list and a small US finance team that pays mostly by ACH
#17
03
What each one does differently
1
Nomentia
Finland · On request
Nomentia Oy is a Finnish treasury vendor with offices in Espoo, Tampere, Stockholm, Vienna, Frankfurt, Amsterdam and London. Its Payments Hub imports batches from SAP, Oracle and NetSuite by SFTP or API, converts them to ISO 20022 pain.001 and runs multi-step approval chains. It has no invoice capture and no supplier payment network.
Switch from Bottomline if the payments hub and cash forecast matter more than invoice handling, and you want a European treasury vendor.
Serrala Group GmbH publishes its legal address in Norderstedt and shows its headquarters in Hamburg. One suite covers AP, AR and payments, in a cloud edition or embedded in SAP. Its cloud payments page claims banks in 150+ countries and fraud detection on every outbound payment. No price is published.
Switch from Bottomline if you run SAP, or want payables, receivables and bank payments from one German vendor.
Medius publishes two AP packages: AP Essentials with 1 entity and AP 360 with 3 entities, both with unlimited users and quoted prices. Payments, procurement and expense are add-ons at extra cost. Its offices span Stockholm, London, Jacksonville and Amsterdam. Payments cover ACH, wire and electronic cheque.
Switch from Bottomline if you want AP packaged by entity count with unlimited approvers, and treat payments as an optional add-on.
Esker states a global headquarters in Lyon, France, and claims e-invoicing compliance in 60+ countries. Its AP page covers capture, PO matching, approval routing and a supplier portal for status, with a stated 80% touchless rate that comes without a method. It does not describe executing payments. An ROI calculator replaces a price list.
Switch from Bottomline if e-invoicing compliance across countries is the main requirement and payment runs happen in your bank or ERP.
Kyriba was founded in Paris in 2000 and now gives San Diego as its corporate headquarters. Its modules include a payment factory with fraud detection and sanctions screening, and it states connections to about 10,000 banks. Pricing is a quoted modular subscription. It does not process supplier invoices.
Switch from Bottomline if a group treasury department needs bank connectivity, payments and risk, and payables stay in a separate tool.
Basware Oy in Espoo is the lead entity among offices in 18 listed locations. Its e-invoicing network claims coverage of 190+ countries, and its modules are InvoiceAI, SmartCoding, invoice matching and AP Protect. The homepage shows no dedicated payments product, and its price sits behind a separate pricing page.
Switch from Bottomline if you receive invoices from suppliers in many countries and need the e-invoicing network more than a payment rail.
Tipalti publishes AP from $99 a month and Mass Payments from $249, with unlimited users and no per-approver fee, plus transaction fees. It pays in 200+ countries, 120 currencies and 50+ methods, and holds money transmitter licences in the US, Canada, UK and EU. It is headquartered in Foster City, California.
Switch from Bottomline if you pay many suppliers or contractors in different currencies and want tax forms collected at onboarding.
AvidXchange, based in Charlotte, North Carolina, pays suppliers by virtual card, AvidPay Direct or mailed cheque and states it is a licensed US money transmitter. It lists 200+ integrations and industries such as real estate, construction, higher education and government. Its pages show no price, and its focus is American domestic payables.
Switch from Bottomline if you are a US organisation with many low-value supplier payments and want them handed to an outside network.
Yooz states 7,000+ customers and 250+ integrations. Its pricing page lists a 15-day free trial and a Gold edition billed by documents processed per month, with unlimited users and 4 hours of complimentary service. It adds vendor statement reconciliation and payment automation. No Gold price appears on the page.
Switch from Bottomline if your invoice volume is steady and you want a cost that follows documents, not users or modules.
Libeo is a French SAS in Vincennes that covers purchase requests, approvals, supplier payment, cards and accounting entries. Supplier payments are described as free of charge, IBAN verification is built in, and it is registered with ORIAS. Its site centres on France and prices are by quote, with a multi-entity plan.
Switch from Bottomline if you are a French company that wants approvals and supplier payments next to your accountant's tools.
Stampli, in Mountain View, California, keeps the discussion about each invoice on the invoice record and offers an assistant called Billy. It lists 14 ERP systems and modules for AP, payments, procurement and expense. It says it has 2,000+ customers. The site gives no price.
Switch from Bottomline if approval questions are what slow your invoices and you run an ERP on its list.
BILL shows its price: AP and AR from $49 to $89 per user per month, Enterprise by quote, and payment fees of $0.59 for ACH and $1.99 for a mailed cheque. Its international payments reach 130+ countries. Cost grows with every user, and sync with NetSuite and Sage Intacct needs Enterprise.
Switch from Bottomline if you want a published price list and a small US finance team that pays mostly by ACH.
Bottomline stays the sensible choice when payment execution is the purchase. If your bank connectivity, UK Bacs and Faster Payments submission, Swift messaging or Paymode supplier payments already run on its platform, replacing it means rebuilding bank connections and re-enrolling suppliers, and none of the invoice-first tools here carries that infrastructure. The Payments Hub, which claims four Swift-certified service bureaus, and the Global Cash Management Hub, which states a start in as few as 12 weeks, suit a team that wants one vendor for payments and cash.
05
What moving off Bottomline involves
01
Inventory the bank connections before comparing features
List each bank, format and payment type that Bottomline sends today, including Bacs, Faster Payments, NACHA, Fedwire and Swift. A treasury or payments vendor such as Nomentia or Kyriba will be judged on that list, and any bank missing from it becomes a project. Ask each candidate for its connectivity method per bank, whether API, SFTP or Swift.
02
Plan supplier re-enrolment if you pay through Paymode
Suppliers who receive Premium ACH or virtual card payments through Paymode have been enrolled by Bottomline. A new tool such as Tipalti or AvidXchange uses its own portal and onboarding, and card rebates earned today will change. Run the first cycle on a small supplier group and keep Paymode live until each supplier has confirmed the new bank details.
03
Separate the three layers before you sign
Bottomline bundles invoice automation, payments and cash visibility, and an alternative usually replaces one of them. Decide whether you buy capture and approval (Esker, Basware, Medius, Yooz), payments (Tipalti, Nomentia, Kyriba) or cash (Nomentia, Kyriba), then check that the pieces you keep connect to each other.
06
Questions about replacing Bottomline
6 answers
Does Bottomline publish its prices?
No. None of the Bottomline product and payments pages we fetched on 31 October 2026 showed a price, plan grid or fee table.
Among the alternatives, Tipalti (from $99 a month), BILL ($49 to $89 per user per month) and Medius packages by entity count publish some structure, while Kyriba, Nomentia and Serrala quote.
Who owns Bottomline?
The Bottomline About page says it is a portfolio company of Thoma Bravo. The footer names Bottomline Technologies, Inc. Its corporate headquarters is in Portsmouth, New Hampshire, with EMEA headquarters in Theale, Reading, and APAC headquarters in Singapore.
Which alternative suits a European treasury team?
Nomentia Oy (Espoo, Finland) and Serrala Group GmbH (Germany) are the two European treasury and payments vendors on the list. Kyriba was founded in Paris but states San Diego as its headquarters. Check each vendor's bank list for your own banks before shortlisting.
Is there a Bottomline alternative for supplier payments only?
Tipalti and AvidXchange both execute supplier payments through their own onboarding.
Tipalti states 200+ countries and licences in the US, Canada, UK and EU, while AvidXchange pays by virtual card, AvidPay Direct or mailed cheque and is a licensed US money transmitter. Neither replaces Bottomline's bank messaging.
Which tools do not make payments at all?
Esker's AP page covers capture, matching, approval and a supplier portal but does not describe payment execution, and Basware's homepage shows no payments product. Pair either with a bank portal, ERP payment run or a payments hub from Nomentia.
Can a small business replace Bottomline cheaply?
The published entry points are BILL at $49 per user per month on Essentials and Tipalti AP from $99 a month with unlimited users, both with transaction fees on top.
They cover accounts payable only. Bottomline's wider cash and payments lines have no equivalent at those prices.
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Sources
Checked 31 October 2026
Bottomline homepage: 92 countries, 1M institutions and businesses, product groups, since 1989.
Bottomline About page: Thoma Bravo portfolio company, $16 trillion payments annually, 35+ years, Top 3 Swift services provider.
Founder of The Knowledge Engineers and of 2 Steps Ahead, an AI search visibility agency. Editorially responsible for every page on this site; research and drafting are AI-assisted.
Author and fact-checker: Sebastiaan Smits. This page was last reviewed on 31 October 2026; our review process is public.
